Can I use other people's credit to buy a home?

[Mark Gomez]

Dumb question here.. But can I use another person's credit to purchase additional investment properties without them being a "partner" but really just a "lender"? I have two rentals right now along with my primary residence under me and wife's credit and in order to scale my real estate portfolio I cannot use just my own credit. From what I've read the most common solution is partnering with other people, which I just did for a STR in Big Bear. But partners like to make decisions and it created a ton of operational drag to find the right property, close escrow, do renovations and get set for listing to rent... I figure there's people willing to offer their credit and half the down payment money needed for say 15% interest. Then could refi later so they're off the loan and off title..

[Jay Hinrichs]

while not technically impossible  its highly improbable. Way to many downside risks for the investor with next to no upside.. investor would have to basically be someone very close to you that is just trying to help you  like relative etc.  or just very inexperienced and naive to how real estate actually works in the investment end of things.